1. Provide Health History

2. Take the Preliminary Health IQ Quiz

Take the quiz to see if you qualify for life insurance for Health Conscious People

3. Locate Your Existing Policy

If you have a prior life insurance policy, please take a few minutes to find your existing policy

4. We Will Call You

Our agents will call you in the next 24 hours. Read our FAQ on why a call can save you time.

Thanks For Your Interest!

Unfortunately you do not qualify for special rate life insurance for health conscious people. Visit our homepage to check out our other products.

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Health IQ uses data, science, and statistics to show insurance carriers that health conscious people deserve lower rates on life insurance. By clicking "GET YOUR FREE QUOTE", I give Health IQ Insurance Services my electronically signed prior express written consent to contact me at my phone number and email address listed above to discuss buying life insurance policies & prices. We will never sell your data.

Because the agents are frequently busy helping health conscious customers, I agree these marketing communications may be sent to me using automated technology, text messages, and pre-recorded messages. I understand that my consent to receive these communications is not a condition of purchase (i.e. I can buy a policy without agreeing to any such communications). By clicking "GET YOUR FREE QUOTE", I agree to Health IQ Insurance Services’ Privacy Policy and Terms of Use policies.

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How life insurance for the health conscious works

We want to give you straightforward answers to all of your Life Insurance questions.

But if you don’t find the answer you are looking for below, please call us directly at (800) 549-1664 or email HERE.

Frequently Asked Questions

About Health IQ

Health IQ believes that health conscious people are overpaying for life insurance. We are the only broker that offers special rates based on health knowledge and active lifestyles/diets like running, cycling, swimming, weightlifting, yoga, vegetarianism and veganism. Taking active control of your health is hard work, and we believe in rewarding you.

Nope. It’s way better! 56% of our clients get our exclusive special rates. We are the only company that has invested in gathering science and data to prove that health conscious people live longer, so Health IQ is the only place you can find special rates you deserve.

We gathered data from millions of health conscious people - Over 1 million people took their Health IQ quiz and formed the basis for the scientific analysis of the relationship between health and health knowledge.

Found that health conscious people have a lower rate of early mortality - High Health IQ men had 33% lower mortality than low Health IQ men and for women the difference was 47%. Overall, those with high Health IQ have 41% lower mortality.

Combined data with medical research - We negotiated lower rates on term life insurance for the health conscious using science and big data.

Partnered with Top Insurers - We took our data and science on the health conscious to the top life insurance carriers and partnered with them to get the lowest rates on life insurance for the health conscious.

No. Our special rate life insurance policies are exclusive to us, thanks to the proprietary data and science that we’ve spent years collecting. While we also sell insurance policies that do not include a special rate, 56% of our clients do get an exclusive policy based on their qualification and status.

Better underwriting can make the biggest impact on your rate. During the underwriting process, the underwriter determines if you actually get the rate you were originally quoted at, based on how your risk of dying young compares to that risk for the average American. Every insurance carrier has different guidelines that are used to make this decision. Health IQ worked with carriers to expand these guidelines and tailor them to the needs of our health conscious clients, saving you anywhere from 4-33%. Your agent will also submit a letter directly to the underwriter telling them more about your workouts, lifestyle and diet, painting a hugely positive picture and a better understanding of your health.

Family History is Not Destiny - We reduce your chance of being penalized for adverse family health history if you are otherwise healthy.

The Muscular are Misjudged by BMI - BMI can't tell the difference between muscle and fat. We work with carriers to ensure strength trainers and strength athletes have a BMI buffer to account for their muscles.

Well-Managed is a Job Well Done - Only one-third of people with chronic diseases (diabetes, high blood pressure, etc) successfully manage their conditions. We believe they are heroes and deserve special accommodation.

Low Resting Heart is a Badge of Honor - Most carriers will penalize people if their heart rate is too low. We help them recognize that this is a sign of your excellent health and fitness.

Vegans and Vegetarians are Not Weird - We have convinced carriers to provide special rates to those who have chosen a plant-based diet.

Sure can! A previous illness like sleep apnea, heart disease, or diabetes doesn’t define you. Managing and overcoming chronic disease or illness is really hard work. It is something we celebrate, and absolutely can still get you special rates. We think that’s just fair.

Most financial advisors will recommend that you purchase life insurance as soon as someone else is dependant on your income. For most people, this is first when they start a family. In the unfortunate event that you pass away while your family is relying on your income, your family can use the funds from your life insurance policy to cover a mortgage, college tuition and other debts or expenses.

A couple other things to keep in mind - the younger you are, the less you pay for a policy. Life insurance premiums get increasingly more expensive as you age. Also, the longer you wait to buy, the more you risk unforeseen health issues which can make your premiums drastically more expensive.

Term life is the most popular and affordable type of life insurance. It provides coverage for specific number of years, usually between 10-30 years. You make fixed monthly, quarterly, or annual premium payments to keep it active. If you pass away during the covered term, the pre-determined coverage amount is paid out in full.

Almost all of our clients find that this type of policy is the best fit. Ideally, your family’s needs for coverage will end close to when your policy expires: your kids are through college, your mortgage is fully paid, etc. However with Term life you also have the flexibility to renew or convert at the end of the term if you need to.

Permanent (whole life) insurance provides protection for life. The premium remains the same and coverage amount is guaranteed no matter how long you live. Since it never expires, the annual cost is significantly more expensive than term. There are several types of permanent life policies that provide added investment components, but these are more complicated to buy and come with additional fees and expenses.

Unlike term, permanent life insurance requires a longer commitment. There is significantly less flexibility if your needs change.

The short answer is "it depends." But in general, you can find a good estimate by calculating your long term debts and financial obligations and then subtracting any savings, investments, or assets you have. Your ideal coverage amount should be enough to fill that gap. Most financial advisors recommend that you should have coverage for at least 10-15x of your annual income.

Yes. Even if you have a current policy, you may want to refinance your existing policy as you may be overpaying for your current Life Insurance. There is no penalty for refinancing an old policy or buying additional coverage. Similar to mortgages, you can apply for a new life insurance policy even if you have an existing one. The new policy can either replace your existing one or it can be additional coverage on top of what you already have to cover something like the birth of a second child.

Probably not. Group policies are often a “one size fits all” option that cover only 1-2x your annual salary. Most financial advisors recommend you have at least 10-15x. If you should leave this employer, you also most likely can’t take the coverage with you.

Additionally, the choice of plan and carrier are made by the employer, which means that the policy may not be a good fit for your unique health and lifestyle profile.

Health conscious people are overpaying when they buy insurance through their employer. Their hard work and dedication to health is not factored in at all to the cost of their annual premium. Employer-provided life insurance is priced based on the risk of all the employees combined, so if you are more health conscious than the rest of your co-workers on average, you are overpaying.

Unhealthy employees tend to favor these group policies because there is no underwriting, which means they pay much less than they would for an individual policy. Great deal for them!

The insurance companies make up for that added risk by spreading the cost over a large group of people, without considering individual health and lifestyle habits.

The healthy people get significantly overcharged but still take the rate because of the convenience - there is no medical exam and the payments come directly out of paychecks

As an added disadvantage, rates are only guaranteed for 1 or 5 year periods...at which point the rates increase again & you are moved into a higher age group.

Absolutely! Both you and your spouse should be insured. While a stay-at-home parent may not contribute monetarily to household income, they do provide significant value that needs to be replaced. For families with younger children, this might cover things like childcare, transportation or additional education costs.

Online or Fast life insurance quotes are more likely to bait and switch you. That’s why our agents will take the time to get to know you. Because while online quotes might seem convenient - our agents will personally work with the carriers to get the best rate. Take our word on this - 83% of our clients get approved at the top two rate classes.

Absolutely not! In life insurance, fast approvals basically estimate your health and charge you more just in case they missed something. Go with a longer process; it is designed to get you the best rate. 3-4 weeks is the average length of time for the insurance underwriters to review your case in detail. Flags in your application like bankruptcy, DUIs, or a heart condition might add additional time because the underwriter will need to pull credit history, driving reports, or request additional medical records from your doctors. Here is an average timeline you could expect:

Yes! The medical exam is one of the best opportunities to really show that you are healthier than everyone else. Your height/weight, blood pressure and fluid draws will speak for themselves. The exams are basic, but just to make sure they go perfectly, our team will help prepare you.

It'll matter less with Health IQ than another broker. Insurance companies use family history to evaluate your risk. One metric used is the age at which a family member has passed away from a disease. The earlier the death of a family member, the higher your rate will be. Carriers establish a threshold age for considering a death “early” — for example, most carriers consider any death from heart disease before the age of 60 to be early.

Health IQ recognizes that family history is not destiny and has pushed carriers to lower the threshold age for our health conscious customers — in the case of heart disease, from 60 years old to 55 years old. We were able to accomplish this by uncovering science like the following:

The degree of benefit from healthy behaviours has been shown to be the same for women with or without a family history of breast cancer.

Greater adherence to healthy lifestyle recommendations was associated with a 43% reduction in breast cancer risk in one study.

Another study found 17.34% reduced rate of invasive breast cancer in women with a family history of breast cancer.

Your A1C being low is the most important factor. In fact, we believe that if you are well-managed, you are a hero and deserve special accommodation. Only one-third of people with chronic diseases (diabetes, high blood pressure, etc) successfully manage their conditions.

For every 1% reduction in HbA1c levels, the risk of developing eye, kidney, and nerve disease is reduced by 40% and the risk of heart attack is reduced by 14%

Diabetes patients who maintain near-normal HbA1c values can gain an extra five years of life, eight years of sight, and six years free from kidney disease

Well-controlled diabetics reduce their risk of heart attack, stroke, or death from cardiovascular disease by 57%

The height/weight ratio used for BMI doesn’t address body composition and leads to misclassification of strength athletes into weight classes that the insurance industry considers risky. That’s because BMI measures excess weight relative to height— not excess fat.

That’s why Health IQ has pushed our carriers for a “BMI buffer” for our health conscious clients. For example if the limit for the preferred plus rate category for someone 5'9" is 198 lbs, our health conscious client can still get the preferred plus rate category at 208 lbs.

Nope! Triglyceride/HDL ratio is a better predictor of cardiovascular disease. It is possible to have total cholesterol in 220-260 range with little risk of atherosclerosis if HDL high and TG low.

Meta-analysis reviews show across studies that a low-carbohydrate diet improves markers of cardiovascular and type 2 diabetes risk factors. Overall, the benefits outweigh any apparent rise in LDL cholesterol, as HDL tends to increase and triglycerides decrease.

You buy a policy from a company, which is known as an insurance carrier. In exchange for a fixed monthly or annual payment, that policy is a promise from the insurance carrier that they will pay your beneficiaries a set amount if you pass away before the end of the term.

Though it might feel like it’s more convenient, non-medical policies are generally more expensive since they have less information about your health when analyzing your risk. These policies are also limited by coverage amounts.

Most people are surprised by the impact that small details can have on your rate. Life insurance pricing can depend on everything from family history, to age and gender, health history, tobacco usage, medications, driving record, and lifestyle habits. This is another reason why we take the time to really get to know you. More proof of your healthy lifestyle and habits will help our team find you the perfect carrier and get you a lower rate.

We analyze your current financial situation and any existing policies you may have to help prevent you from becoming ‘over insured’ according to financial underwriting guidelines. There are limits on the total amount of insurance the carrier will allow for an individual based on age, income and sometimes insurance needs, also known as “coverage limits”.

No. Insurance carriers will require a separate medical checkup that they order to meet their lab requirements. This checkup is free and most people do it in their own home. However, providing an annual check-up from your own doctor that shows you are healthy may help improve your approval and rate.

The only exclusion is the “universal exclusion“ which excludes suicide in the first two years of the policy. After two years, even suicide is covered and while we do not expect that to happen to our clients, it is a sign of how comprehensive the coverage is.

* Savings Disclosure: Savings are estimated by comparing the difference between the median and lowest price for a 40-year old male non-smoker in California in the preferred plus health class.
Comparing quotes for a $500,000, 15-year term life policy, the price difference between the lowest and median quotes is 25.5% for a total savings of $1217.85 over the lifetime of the policy.
Rates are subject to change and are valid as of 7/12/17.

§ ReFi Disclosure: Health IQ could save qualifying, health conscious customers money on their Term Life Insurance by canceling and replacing their current Term Life Insurance policy with a new, more cost-effective Term Life Insurance Policy.
Purchasing a policy from Health IQ may result in coverage being subject to different coverage terms and conditions, as well as a loss of rights or equity.
Please consider the pros and cons of replacing Term Life Insurance policies before canceling any existing policy.

** Testimonial Disclosure: All Health IQ testimonials are real reviews from real customers. Because Life Insurance is highly individualized, the rate and circumstances described in these reviews may not reflect typical savings or conditions.

‡ Time Disclosure: Term Life Insurance is based on many factors, including age.
The older an individual, the more expensive rates become. To maximize savings, an individual should secure a Term Life Insurance policy sooner than later.